MasterCard –

Global Privacy Notice

Effective Date: February 28, 2014

MasterCard International Incorporated (doing business as MasterCard Worldwide) and its affiliates (collectively, "MasterCard") respect your privacy. This Global Privacy Notice describes the types of personal information we collect, how we use the information, with whom we share it, and the choices you can make about our use of the information. We also describe the measures we take to protect the security of the information and how you can contact us about our privacy practices.

Our privacy practices may vary among the countries in which we operate to reflect local practices and legal requirements.

MasterCard may obtain information about you from various sources. We may obtain information about you in our role as a processor of electronic payment transactions. We also may have a direct relationship with you, and you may choose to provide personal information to us in connection with that relationship.

As a processor of electronic payment transactions, we obtain a limited amount of personal information about you from financial institutions, merchants and other entities in connection with your payment card transactions. In this context, we receive the card account number, the merchant name and location, the date and the total amount of the transaction. Importantly, we do not receive the cardholder's name or other contact information to process transactions.

We also may obtain information about you from companies that use other MasterCard products or services, institutions that issue MasterCard branded payment devices, publicly available information systems, and commercial information services.

In addition, you may choose to submit information directly to us. You may do so, for example, on our websites, in connection with a MasterCard product or service, when you participate in an offer or promotion or in connection with an actual or potential business or employment relationship with us.

For processing of payment transactions the types of personal information we may obtain are:

Payment Card Account Number

Transaction Amount

Transaction Date

Transaction Location

For other types of services that MasterCard provides the types of personal information we may obtain are:

Business contact information (such as job title, department and name of organization)

Payment card information

Contact information for friends or other people you would like us to contact

Content you provide (such as photographs, articles and comments)

Mobile device unique identifier

Geo-location data

Other information (such as shopping behavior and preferences, language preference, age, date of birth, gender and family status)

We collect certain information by automated means, such as cookies and web beacons, when you visit our websites. The information we collect in this manner includes IP address, browser type, operating system, referring URLs, information on actions taken on a website, and dates and times of website visits. A "cookie" is a text file placed on a computer's hard drive by a web server. A "web beacon," also known as an Internet tag, pixel tag or clear GIF, is used to transmit information back to a web server.

Protect against and prevent fraud, unauthorized transactions, claims and other liabilities, and manage risk exposure and franchise quality with respect to the integrity and security of our payment network

Create and manage your online account and respond to your inquiries

Provide, administer and communicate with you about products, services and promotions of MasterCard, customers, merchants and partners (including contests, sweepstakes, programs and other offers)

Publish business directories (which may include business contact information)

If you give us permission to do so, MasterCard will use your personal information to conduct marketing activities such as the following: (i) send you information and ask your opinion on MasterCard products and services, including by email and SMS; (ii) create specific messages for your personal profile; and (iii) develop market research. We also may use the information in other ways for which we provide specific notice at the time of collection.

We do not sell or otherwise disclose personal information we collect about you, except as described here in or otherwise as we disclose to you at the time the data is collected.

We share information to process electronic transactions and other activities that you request. We may share the personal information we collect with our affiliates, financial institutions that issue payment cards or process electronic payment transactions, entities that assist with payment card fraud prevention, and merchants. For example, in this context we provide financial institutions with information about their cardholders' transactions that MasterCard processes. In addition, we may share personal information with other third parties with the consent of the individual to whom the information pertains or as otherwise directed by your financial institution.

We also may share the information with our service providers who perform services on our behalf. We authorize these service providers to use or disclose the information only as necessary to perform certain services on our behalf or comply with legal requirements. We require these service providers by contract to appropriately safeguard the privacy and security of personal information they process on our behalf.

MasterCard transfers personal data within the MasterCard group of affiliated companies subject to the terms of this privacy notice or otherwise as we disclose to you at the time the data is collected.

On our websites, you may choose to use certain features for which we partner with other entities. These features, which include social networking and geo-location tools, are operated by third parties, clearly identified as such, and not affiliated with MasterCard. These third parties may use personal information in accordance with their own privacy policies. We strongly suggest you review the third parties' privacy policies if you use the relevant features.

We also may disclose information about you (i) if we are required to do so by law or legal process, or (ii) when we believe disclosure is necessary to prevent harm or financial loss, or in connection with an investigation of suspected or actual fraudulent or illegal activity.

We also reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use personal information you have provided to us in a manner that is consistent with our Global Privacy Notice. Following such a sale or transfer, you may contact the entity to which we transferred your personal information with any inquiries concerning the processing of that information.

You have certain rights regarding the personal information we maintain about you. We offer you choices about what personal information we collect from you, how we use that information, and how we communicate with you.

You can choose not to provide personal information to MasterCard by refraining from conducting electronic payment card transactions. You also may refrain from submitting information directly to us. However, if you do not provide personal information when requested, you may not be able to benefit from the full range of MasterCard products and services, and we may not be able to provide you with information about products, services and promotions.

You can elect not to have a unique cookie identification number assigned to your computer. If you would like to opt-out of such cookie identification, click here. Additionally, most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies. Please note, however, that without cookies you may not be able to take full advantage of all our website features.

You can opt-out of certain uses of information we collect about you by automated means when you visit other websites. We may use service providers to post content on those other websites. They may use cookies when they serve ads to you. You may direct our service providers not to use cookies to serve ads to you by clicking Cookie Opt-out.

You can tell us not to send you marketing communications by e-mail by clicking on the unsubscribe link within the marketing e-mails you receive from us or by contacting us as indicated below. You also may opt-out of receiving marketing e-mails from MasterCard by clicking here. As indicated above, we may anonymize personal information to perform data analyses. To opt-out of such anonymization, click here.

You may withdraw any consent you previously provided to us, or object at any time on legitimate grounds, to the processing of your personal information. We will apply your preferences going forward. In some circumstances, withdrawing your consent to MasterCard's use or disclosure of your personal information will mean that you cannot take advantage of certain MasterCard products or services.

If you are located in the European Economic Area or Switzerland, you may direct us not to share your personal information with third parties, except (i) with service providers we have retained to perform services on our behalf, (ii) in the event we sell or transfer all or a portion of our business or assets, (iii) if disclosure is required by law or legal process, , or (iv) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or in connection with an investigation of suspected or actual fraud or other illegal activity. If you are located in the European Economic Area or Switzerland, we use your personal information only for the purposes indicated in this Notice unless we have a legal basis, such as consent, to use it for other purposes. Where required by law, MasterCard obtains your prior opt-in consent at the time of collection for the processing of (i) personal information for marketing purposes and (ii) personal information deemed sensitive pursuant to applicable law.

Subject to applicable law, you may have the right to request access to and receive information about the personal data we maintain about you, update and correct inaccuracies in your personal data, and have the information blocked or deleted, as appropriate. The right to access personal information may be limited in some circumstances by local law requirements. To learn more, please contact us as set forth below.

To update your preferences, ask us to remove your information from our mailing lists or submit a request, please contact us as specified below.

We may transfer the personal information we collect about you to countries other than the country in which the information was originally collected. Those countries may not have the same data protection laws as the country in which you initially provided the information. When we transfer your information to other countries, we will protect that information as described in this Global Privacy Notice.

If you are located in the European Economic Area or Switzerland, we comply with applicable legal requirements providing adequate protection for the transfer of personal information to countries outside of the EEA or Switzerland. MasterCard is certified under the Safe Harbor privacy framework as set forth by the U.S. Department of Commerce, European Commission and Switzerland regarding the collection, storage, use, transfer and other processing of personal data transferred from the European Economic Area or Switzerland to the U.S. Click here to view our Safe Harbor Privacy Policy.

The security of your personal information is very important to MasterCard. We are committed to protecting the information we collect. We maintain appropriate administrative, technical and physical safeguards designed to protect the personal information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. We use SSL encryption on a number of our websites from which we transfer certain personal information.

Our websites may provide links to other websites for your convenience and information. These websites may operate independently from MasterCard. Linked sites may have their own privacy notices or policies, which we strongly suggest you review if you visit any linked websites. To the extent any linked websites you visit are not owned or controlled by MasterCard, we are not responsible for the sites' content, any use of the sites, or the privacy practices of the sites.

This Global Privacy Notice may be updated periodically and without prior notice to you to reflect changes in our personal information practices. We will post a prominent notice on our websites to notify you of any significant changes to our Global Privacy Notice and indicate at the top of the Notice when it was most recently updated.

If you have any questions or comments about this Global Privacy Notice, MasterCard's privacy practices, or if you would like us to update information or preferences you provided to us, please click here. You may also contact us by email at privacyanddatausage@mastercard.com; or write to us at:

If you are located in the European Economic Area or Switzerland, MasterCard Europe sprl may be the entity processing your personal information. If you have any questions or comments about this Global Privacy Notice, MasterCard Europe sprl's privacy practices, or if you would like us to update information or preferences you provided to us, please click here. You may also contact us by email at privacyanddatausage@mastercard.com; or write to us at: